The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$65,593
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,633
−HK$2,073/mo
Today · 4.125%
HK$69,706
baseline
▲ 0.50% · 4.625%
HK$73,948
+HK$4,242/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$139,412/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,972
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,929
−HK$1,985/mo
Today · 4.125%
HK$76,914
baseline
▲ 0.50% · 4.625%
HK$80,968
+HK$4,054/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$153,828/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,712
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,160
−HK$2,488/mo
Today · 4.125%
HK$83,648
baseline
▲ 0.50% · 4.625%
HK$88,737
+HK$5,089/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$167,296/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,566
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,914
−HK$2,383/mo
Today · 4.125%
HK$92,297
baseline
▲ 0.50% · 4.625%
HK$97,162
+HK$4,865/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$184,594/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,830
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,687
−HK$2,902/mo
Today · 4.125%
HK$97,589
baseline
▲ 0.50% · 4.625%
HK$103,527
+HK$5,938/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,178/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,160
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,900
−HK$2,780/mo
Today · 4.125%
HK$107,680
baseline
▲ 0.50% · 4.625%
HK$113,356
+HK$5,676/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,360/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,068
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$121,740
−HK$3,731/mo
Today · 4.125%
HK$125,471
baseline
▲ 0.50% · 4.625%
HK$133,106
+HK$7,635/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$250,942/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,349
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$134,872
−HK$3,573/mo
Today · 4.125%
HK$138,445
baseline
▲ 0.50% · 4.625%
HK$145,743
+HK$7,298/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$276,890/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,542 · Scale 2, in force from 26 Feb 2026)